What is an 808 credit score?
Quick insights
- An 808 credit score is considered to be an “exceptional” or “excellent” credit score by some scoring models.
- You may find there are some potential credit opportunities to having an 808 credit score, such as the potential for receiving lower annual percentage rates (APRs) and increased chances of approvals for credit.
- To help you achieve and maintain an 808 credit score, practice healthy financial habits, such as making regular, on-time payments.
Diving into an 808 credit score
Credit scores are generated by considering several important factors, including payment history, credit utilization, credit age/mix and more. With an 808 credit score, you have likely made positive, responsible choices when it comes to repaying your debts. You may have avoided late payments and accumulating debt.
Because an 808 credit score is a high score that may deem you low risk and creditworthy, you may experience some credit upsides. These include, but are not limited to:
- Lower APRs. The higher your score, the higher your chances are of landing lower interest rates, potentially saving you costs overtime if you’re borrowing money for things like a car or a house.
- Increased chances for approvals. You may find that you get approved more easily for mortgages, personal loans and other types of credit. You may also have increased chances of getting approved for rental housing, as landlords may check your credit score as part of the application process.
- Access to premium credit cards. Some credit cards, such as those that offer certain perks and rewards, typically require a relatively high credit score. An 808 credit score can increase your chances of being approved for certain credit cards that typically require a higher credit score. However, approval is not guaranteed, as other factors such as income, credit history and current debt levels are also considered by lenders.
- Potential for higher credit limits. With a higher credit score, you may have improved chances of being approved for higher credit limits.
Is 808 a good credit score?
An 808 credit score is generally considered to be a strong credit score. It typically reflects a positive credit history and can be beneficial when applying for loans or credit cards. In fact, depending on the scoring model used, an 808 credit score may be considered excellent or exceptional. Let’s break down the categories of both VantageScore® and FICO® score below.
As of January 2025, VantageScore ranges are:
- Excellent: 781 to 850
- Good: 661 to 780
- Fair: 601 to 660
- Poor: 500 to 600
- Very Poor: 300 to 499
As of January 2025, FICO score ranges are:
- Exceptional: 800+
- Very Good: 740 to 799
- Good: 670 to 739
- Fair: 580 to 669
- Poor: 579 and below
An 808 credit score lands in the highest credit score categories for both of these models. It indicates that you are likely a low-risk candidate to potential lenders and that you are deemed particularly creditworthy. Creditworthiness is your ability to repay your debts, so maintaining a positive payment history is important to keeping this score. Let’s expand on this more below.
Strategies to maintain or achieve an 808 credit score
To help you reach or maintain an 808 credit score, consider the following tips:
Make consistent, regular and on-time payments
Payment history plays a crucial role in determining your credit score, as it reflects your reliability in meeting financial obligations. Understanding this can highlight the importance of making payments on time. Even a single late or missed payment can have a negative impact on your credit score, emphasizing the need for consistent and timely payments to maintain a strong credit profile.
Monitor your credit score
One way you can do this is by enrolling in Chase Credit Journey®, a free online tool anyone, including non-Chase cardmembers, can use. With Credit Journey®, you can view your free credit score. You can also track your progress and set credit score goals with the credit planning feature powered by Experian™.
Review your credit report
You can receive a free annual credit report when you request from the three main credit bureaus, Experian, Equifax® and TransUnion®. Look over this document in case you spot any errors that could be negatively impacting your score. You may be able to dispute inaccuracies on your credit report and potentially have them removed by the credit bureaus.
Keep a low credit utilization
Your credit utilization ratio can be determined by dividing the amount of credit you use by your total available credit. For example, if you use $3,000 of your total $10,000 credit limit, your ratio would be 30%. Keeping a ratio of about 30% or less is preferable and can help you maintain a high score
In conclusion
High credit scores are not easy to achieve but sometimes come with credit opportunities such as the ability to land lower APRs. Your credit score can help give you and your lender an idea of how you are managing credit. Overall, an 808 credit score is a high score that generally indicates a healthy credit profile.
